Subscribe

Qatar Islamic Bank (Q.P.S.C.) (QIBK.QA)

QAR21.33 +0.34 (+1.62%)
QA DOH Financial Services Banks - Regional
Address Grand Hamad Street
Doha, QA
CEO Bassel Gamaleldin Mohamed Aly
Website qib.com.qa
IPO 2010-02-22
ISIN QA0006929853

Explore sections of this company profile

Description

Qatar Islamic Bank (Q.P.S.C.), together with its subsidiary companies, provides a comprehensive array of banking services and products to clients both within Qatar and internationally. The institution structures its operations across four primary divisions: Corporate Banking, Personal Banking, Group Function, and Local & International Subsidiaries. Its offerings include various types of accounts, such as current, savings, call, multi-currency, and time deposit accounts, along with certificates of deposit. Customers can also access both credit and debit card facilities. The bank extends a wide spectrum of financing solutions, covering personal needs, vehicle purchases, home ownership, working capital, asset acquisition, real estate and mortgage funding, project development, contracting, start-up businesses, trade finance, luxury goods, and fleet and heavy equipment, in addition to general corporate purposes. Furthermore, QIB furnishes specialized trade finance services like letters of credit, guarantees, documentary/bills collection, shipping guarantees, and tariff trade services. Its treasury department is responsible for liquidity management, Sukuk, foreign exchange operations, hedging strategies, and various investment products. Complementing its core banking activities, the company provides a suite of Takaful (Islamic insurance) programs designed for education, auto, family protection, travel, group credit life, and savings. Additional corporate and personal services encompass payroll management, cash and cheque processing, secure overnight vaulting, and wealth management. Clients benefit from modern banking conveniences accessible via internet, phone, SMS, mobile applications, automated teller machines, and cash deposit machines. The bank also undertakes real estate investments. QIB caters to a diverse clientele, including individual consumers, institutional investors, corporations, small and medium-sized enterprises, financial institutions, and investment entities. Established in 1982 and headquartered in Doha, Qatar, the bank operates a network of 22 branches across Qatar and maintains one branch in Sudan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
QAR21.33 +0.34 (+1.62%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1M
Beta
0.40
Float Shares
1.81B
Free Float %
76.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.40% +3.14% +2.12% +0.40% -2.62% -5.26% +6.48% +29.51% +31.16% +145.30% +653.82%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21.33
DCF (Unlevered) 26.58 +24.6%
DCF (Levered) 21.34 +0.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 2 -1
Hold 4 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.46
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    -2.1% Q1'26: +0.2% (vs Q1'25)
  • EPS growth
    +4.8% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -77.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +69.4% (vs Q1'25)
  • ROIC
    Q1'26: +10.4% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.05× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 58% × Ke + 42% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 26.55 Current price: 21.33
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
5 Rev. Ana.
5 EPS Ana.
Dec 2027
5 Rev. Ana.
5 EPS Ana.
Dec 2028
5 Rev. Ana.
5 EPS Ana.
Dec 2029
2 Rev. Ana.
1 EPS Ana.
Dec 2030
2 Rev. Ana.
1 EPS Ana.
Revenue
3.09B
est: 3.35B (-7.9%)
3.37B
est: 3.67B (-8.3%)
3.78B
est: 4.26B (-11.4%)
4.22B
est: 4.49B (-6.1%)
4.69B
est: 4.70B (-0.2%)
5.36B
est: 5.37B (-0.1%)
5.90B
est: 5.95B (-0.9%)
6.26B
est: 6.32B (-0.9%)
6.39B
est: 10.75B (-40.6%)
6.61B
est: 6.67B (-0.9%)
6.47B
est: 6.67B (-3.0%)
6.79B
6.54B – 7.02B
+1.7% YoY
7.10B
6.74B – 7.47B
+4.6% YoY
7.56B
7.52B – 7.60B
+6.5% YoY
7.99B
7.63B – 8.33B
+5.6% YoY
8.76B
8.37B – 9.14B
+9.6% YoY
EBITDA
2.12B
est: 1.71B (+24.0%)
2.21B
est: 1.87B (+18.2%)
2.36B
est: 2.17B (+8.8%)
2.73B
est: 2.29B (+19.3%)
3.08B
est: 2.39B (+28.7%)
3.13B
est: 2.73B (+14.4%)
3.65B
est: 3.03B (+20.5%)
4.12B
est: 3.22B (+28.2%)
4.38B
est: 5.86B (-25.3%)
est: 3.63B (-100.0%)
4.92B
est: 3.63B (+35.4%)
3.70B
3.56B – 3.82B
+1.7% YoY
3.87B
3.67B – 4.07B
+4.6% YoY
4.12B
4.10B – 4.14B
+6.5% YoY
4.35B
4.16B – 4.54B
+5.6% YoY
4.77B
4.56B – 4.98B
+9.6% YoY
EBIT
2.04B
est: 1.66B (+22.9%)
2.12B
est: 1.82B (+16.6%)
2.27B
est: 2.11B (+7.5%)
2.64B
est: 2.22B (+18.7%)
3.00B
est: 2.33B (+28.7%)
3.03B
est: 2.66B (+14.1%)
3.56B
est: 2.95B (+20.8%)
4.03B
est: 3.13B (+28.9%)
4.30B
est: 5.72B (-24.8%)
-67.17M
est: 3.55B (-101.9%)
4.85B
est: 3.55B (+36.6%)
3.61B
3.48B – 3.73B
+1.7% YoY
3.78B
3.58B – 3.98B
+4.6% YoY
4.02B
4.00B – 4.04B
+6.5% YoY
4.25B
4.06B – 4.44B
+5.6% YoY
4.66B
4.45B – 4.86B
+9.6% YoY
Net Income
1.95B
est: 1.89B (+3.5%)
2.16B
est: 2.03B (+6.3%)
2.41B
est: 2.53B (-4.9%)
2.76B
est: 2.42B (+13.6%)
3.06B
est: 2.70B (+13.1%)
3.07B
est: 2.78B (+10.4%)
3.56B
est: 3.17B (+12.1%)
4.01B
est: 3.66B (+9.4%)
4.31B
est: 4.20B (+2.6%)
4.61B
est: 4.27B (+8.0%)
4.62B
est: 4.61B (+0.2%)
4.64B
4.26B – 5.16B
+0.7% YoY
4.89B
4.65B – 5.12B
+5.3% YoY
5.19B
4.91B – 5.52B
+6.1% YoY
5.74B
5.41B – 6.06B
+10.6% YoY
6.73B
6.35B – 7.11B
+17.4% YoY
SGA
64.72M
est: 37.18M (+74.1%)
84.75M
est: 40.73M (+108.1%)
78.52M
est: 47.27M (+66.1%)
69.12M
est: 49.80M (+38.8%)
60.16M
est: 52.14M (+15.4%)
56.15M
est: 59.53M (-5.7%)
60.37M
est: 66.03M (-8.6%)
91.28M
est: 70.09M (+30.2%)
62.59M
est: 117.56M (-46.8%)
68.67M
est: 72.92M (-5.8%)
62.54M
est: 72.93M (-14.2%)
74.19M
71.44M – 76.72M
+1.7% YoY
77.62M
73.63M – 81.69M
+4.6% YoY
82.66M
82.25M – 83.06M
+6.5% YoY
87.33M
83.45M – 91.12M
+5.6% YoY
95.72M
91.47M – 99.88M
+9.6% YoY
EPS
0.81
est: 0.80 (+1.3%)
0.86
est: 0.86 (+0.2%)
0.93
est: 1.07 (-13.1%)
1.17
est: 1.03 (+14.0%)
1.21
est: 1.14 (+5.9%)
1.21
est: 1.18 (+3.0%)
1.42
est: 1.34 (+5.8%)
1.62
est: 1.55 (+4.6%)
1.73
est: 1.78 (-2.6%)
1.86
est: 1.81 (+3.0%)
1.95
est: 1.88 (+3.5%)
1.95
1.80 – 2.18
+3.5% YoY
2.05
1.97 – 2.17
+5.2% YoY
2.17
2.08 – 2.34
+6.0% YoY
2.43
2.29 – 2.57
+11.7% YoY
2.85
2.69 – 3.01
+17.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-25 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-24 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-21 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-20 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-19 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-18 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-17 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-14 B+ 3/5 4/5 4/5 4/5 2/5 2/5 2/5
2026-05-13 B 3/5 3/5 4/5 4/5 2/5 2/5 2/5
2026-05-12 B 3/5 3/5 4/5 4/5 2/5 2/5 2/5
2026-05-11 B 3/5 3/5 4/5 4/5 2/5 2/5 2/5
2026-05-10 B 3/5 3/5 4/5 4/5 2/5 2/5 2/5
2026-05-07 B+ 3/5 3/5 4/5 5/5 2/5 2/5 2/5
2026-05-06 B+ 3/5 3/5 4/5 5/5 2/5 2/5 2/5
2026-05-05 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-05-04 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-05-03 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-30 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-29 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-28 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-27 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-26 B+ 3/5 3/5 4/5 5/5 2/5 3/5 2/5
2026-04-23 A- 4/5 4/5 4/5 5/5 2/5 3/5 2/5
2026-04-22 A- 4/5 4/5 4/5 5/5 2/5 3/5 2/5
2026-04-21 A- 4/5 4/5 4/5 5/5 2/5 3/5 2/5
2026-04-20 A- 4/5 4/5 4/5 5/5 2/5 3/5 2/5
2026-04-19 A- 4/5 4/5 4/5 5/5 2/5 3/5 2/5
2026-04-16 A- 4/5 4/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 B+ 3/5 4/5 4/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
7.37B
OE per share TTM
3.11
Owner's Yield
13.68%
Maintenance CapEx ratio
2.09%
Maint CapEx / Avg PPE
8.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
80.84M
Shares Outstanding
2.36B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ali Abdullah Gholum Ahmadi Board Secretary male
Bassel Gamaleldin Mohamed Aly Group Chief Executive Officer male
Constantinos Constantinides Chief Strategy & Digital Officer male
Gourang Hemani Chief Financial Officer male
Khalefa Saif Al Mesalam Head of Human Capital Group male
Mahmoud Al Ghazzaw Head of Internal Audit male
Moza Al-Kuwari Acting Head of Compliance female
Rakesh Sanghvi Chief Risk Officer male
Saleem Ul Haq Chief Operating Officer - Operations & IT Group male
Vinay Balakrishnan Head of Investor Relations
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits